Navient

Review: The company keeps taking our money that were putting on our loan and sticking it on another loan and telling us that we owe more and it's just very confusing and my wife spends hours each month on the phone with them till she finally gets tired of it and asked for a supervisor which when she's put on hold for over a half hour to 45 minutes finally a supervisor comes on and straightened everything out but it gets tiring and it's a continuous thing for the past six months and she just wants some kind of way that we can just pay her loans off without feeling like we're getting the runaround.

This is a company that just bought our school loan from Empire we did not get the loan out with this company and we feel like we're getting held off on our loan payments or they can make money off of usDesired Settlement: To be able to pay her loan off and be in contact with somebody that says this is not going to continue and some kind of confirmation

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on March 5, 2015 and resolved the

issue with the customer.

Review: Navient is a collection agency that has been calling me more than 5 times per day everyday. Ive told them to stop, cease and desist calling several times and that I would call to make my monthly payment around the 15th of each month but they still keep calling and leaving blank voice mails. When I would make a payment they would call a day later trying to get another payment when I had just paid. This is harassment.Desired Settlement: I would like the result to be for them to stop calling me and to remove my student loan, that I would no longer owe it. Also to raise my credit score due to the inconvenience and harassment they've given me and my cosigner.

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on November 9, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: I have two student loans with this company and when I called them and talked to them about my loans they told me that while my loans were in deferment because I am still going to school I should pay the interest on my unsubsidized and by making payments to my loan it would all go on the unsubsidized and nothing would be put on the subsidized loan because the government pays the interest on that loan while it is in deferment. I just checked my account and that is not the case they have been applying it to both loans and that's why my unsubsidized actually went up in balance because the interest has been building up. This cant be legal and I don't know if you can do anything to help im going to spend time on the phone with them tomorrow.Desired Settlement: I dont want anything other than the company to fix this issue so that it doesnt happen to other people which I am sure that it is right now because you will never pay off your school loans if the companies do this to you while your in school and they should also have to disclose verbally before giving student loans that the interest builds up on non-subsidized loans and is added to the principle after your loan comes out of deferment.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on November 10, 2015 and resolved

the issue with the customer.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: I called back early in the year February-March along with my home loan officer to verify that my loans would be deferred for at least another year, it was a requirement for my home loan. The agent we spoke with made it seem that as long as I was in school my loans would be deferred. In mid-late June I started receiving calls from Navient stating that my account was pass due. I thought this was a mistake as I was still in school. After talking with a rep they explained to me that my in school deferment limit had been reached and my out of school deferment limit was also reached (the out of school deferment I knew about). I spoke with another rep and informed her that I wasn't able to make the entire payments and she was going to try to get the payments down for me. I stated I'd call her back and when I did she wasn't available so I spoke with another agent. We found I have too much disposable income (I wish) to lower my payments. I still have to pay for school as well car repair and so forth that aren't really considered "monthly payments." The next week I spoke with another representative who stated that he could get my payments down to 329 and I had to pay him then and there. I explained that I didn't have it and would try to get it. I couldn't so I explained to the next rep I spoke with that I would be able to make my first payment mid August, they explained that I could setup the payment for August 1st but could have it come out in mid August. Well come August 1st I speak with a rep and was trying to setup my payment but was then informed again that I have too much disposable income. I explained my situation and she got her manager. The manager was very short and not interested in what the previous rep had told me. I explained that all I could afford is $300 /month until I can get myself into a better position to be able to pay more. We ended the call when I refused to setup the full monthly payments and since then I've spoken with multiple agents informing them that I will pay the $300 per month. They always make me aware that it won't help much and my credit along with my co-signer's credit is going to be negatively impacted.Desired Settlement: I desire to be able to have the $300 /month payments for an extended period until I'm able to afford more. The fact that it will take more time to pay off the loans and Navient would make more money from me doesn't make sense that they won't work with me on this. It's not beneficial for me, my cosigner, or Navient to not be able to come to an agreement and instead of wasting resources on collection attempts those resources could be better spent.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on August 19, 2015. Please allow sufficient time for postal delivery.

Review: I'm trying to pay my student loan in full, and am not able to. I have completed registration to pay my bill , and am still unable able to pay online. My total bill is $1420.63 which I can pay in full and clear my student debt (which this is). I just want to pay!

Thank you!Desired Settlement: just want to pay dude! =)

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on August 14, 2015. Please allow sufficient time for

postal delivery.

Review: I've had the misfortune of being affiliated with Sally Mae/Navient for over 10 years & can easily say that this company does not at all care about their customers & is solely in business to deceitfully take their money. I'm writing this complaint due to the horrendous customer service. I've NEVER been able to speak to someone who a.) speaks English, b.) has any idea about what I'm talking about, c.) is able to even remotely assist me, d.) is able to comprehend anything that is not on a script. My current frustration is that I was offered a 0.25% loan discount if I signed up for auto-pay. I've signed up & payments are coming out, but I am still paying the same rate. Alas, yet another scam!Desired Settlement: Navient needs to adjust my rate accordingly per the terms of their deal. I'd also like to be retroactively reimbursed & my loan balance recalculated to reflect the discounted auto-pay rate.

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on October 28, 2015. Please allow sufficient time for

postal delivery.

Review: I tried to make a payment with my credit card today, for which I have been paying since 2007 as co-signer on my grand-daughter's student loan and was told I couldn't because a payment wasn't due. Thats right because for the last 6 months or so I have been paying 2 or 3 payments at a time with the same credit card. They told me I can only pay with my debit card or give them my checking account number. I told them that wasn't going to happen, I do not give that information to anyone. I spoke to a representative, a supervisor and a higher supervisor which all told me the same thing, the last supervisor, trying to explain that it's because of a bankruptcy matter that could take palce with the credit card they can only except a credit card to catch up a payment. I only owe a balance of $452.24.Desired Settlement: pay off in full with credit card

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on October 14, 2015 and resolved

the issue with the customer.

Review: I am currently a graduate student in a PhD program hoping to defend my thesis later this year. My private undergraduate loans only have 48 month deferment maximum... an issue that I was not made aware of until I signed into my account last week. Unlike federal student loans where you can defer the entire time you are in school, private student loans work differently. I cannot afford to make the monthly payments of $673. It would literally be impossible for me to make a payment that large taking into account my income, rent, insurance, and health fees (I have Stage IV cancer so treatment is expensive). I have been trying to speak with someone on the phone to try to lower my payments and get on their Rate Reduction Plan.

When I call Navient I am either on hold for a long time and then hung up on without speaking with someone. Or, in the rare cases when I do actually speak with someone I am just constantly transferred because no one can help me and here again, I am just hung up on OR transferred to a satisfaction survey that at the completion automatically hangs up on you. I just want to speak with someone who can help me get the information I need.Desired Settlement: I want an email, a letter, and a phone call so that this situation can be resolved. I would like to work with someone at Navient so that I can enroll in the Rate Reduction Plan so that I can make payments I can afford based on my income.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on May 6, 2015 and resolved the

issue with the customer.

Review: My story is back in late 2008, I enrolled in an online school called "West wood college online" for their bachelor degree program in software design for video games, the school's main campus is located in Denver Colorado. I started my first two classes in January 2009, only completed my first & only semester with the school, as of May 2009 I withdrew over, concerns of more loans I needed to apply for & a growing concern over math classes I feared I would repeat & wondered if I would be charged for taking the same class again?, which the financial department would not answer me. West wood would return most of the loans that were designed to complete my first year of school, but I was required to pay some of the unpaid loans that couldn't be returned so, from 2009 to 2013 I paid back the school, in June 2013

A loan service known as Sallie Mae ( Now known as Navient) sent me a letter informing me since, I was about to graduate my two student loans were going to come due the following month of that year, I tried to explained to them I haven't been in school since I dropped out of May 2009, I didn't understand why the school wouldn't alert them that I dropped out, after a back and forth with them and the school. I contacted the board of education of Denver & explained my story, I was basically told despite the years being out of school and the loans never used for my education, I signed a contract to pay back these loans no matter what, thinking I had no way to get out of this unfair circumstance, I started paying Sallie Mae/Navient back. I recently, mentioned my loans troubles to a fellow co worker who suggested to reach out to the Revdex.com for guidance, on helping me out regardless that I continue to pay for loans I never used.Desired Settlement: an Immediate cease of both loan payments & reimbursement payments received by Sallie Mae/ Navient since June of 2013 to present to myself.

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on July 21, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: I spoke with a representative who I told I was not working and needed to either defer my loans or put my loans in forbearance, for a few months until I could get back on my feet. The rep assured my he would defer my loans but since I hadn't called at least 10 days before they were due, they would all show as late on my credit report until I started paying. If my loans got deferred, they wouldn't be due, so therefore could not be late!! 'Desired Settlement: I want ALL these "late" payments removed from my credit report, asap!!

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on July 2, 2015. Please allow sufficient time for postal

delivery.

Review: I recently wrote to Navient in June 2015 informing them that my student loan accounts were being reported inaccurately on my credit bureau reports. In the letter, I submitted documentation showing how Navient was reporting many late payments from time periods when my loans were in forbearance. They refused to make the necessary adjustments to my credit bureau reports. Navient was reporting late payments for the exact same months that my other loans were reporting forbearance... big discrepancy. Navient has a reputation of slighting, exploiting, and preying on its customers as shown in recent headlines. This happens to be another example of such.Desired Settlement: I want Navient the remove the lates from my credit bureau reports.

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on September 24, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: My student loans were recently moved from Sallie Mae to navient ( a branch of Sallie Mae) Two weeks ago I was temporarily laid off from work. I placed a call to Sallie Mae requesting a months deferment on my loans. They explained this would be no issue and had be discuss the procedure. The representative informed me that everything was fine and my payments would resume next month. Today I checked my checking account to go over my financials while laid off. I noticed that Sallie Mae had taken this month's payment out. This will prevent Me from paying my rent and other bills since my loans are a couple hundred a month. I placed a call to SallieMae asking about this. The representative I talked to said that my loans were not placed on deferment. I can place them now but it will cost me $150.00. They could also refund my account however I will be charged an amount for that as well. I tried to explain my situation with the representative however she was unwilling to listen or help.Desired Settlement: DesiredSettlementID: Refund

I would like the money refunded to help secure my finacial situation (without outrageous fees) this month, I would also like my loans placed in deferment like I was told to prevent late charges.

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on April 24, 2015. Please allow sufficient time for postal

delivery.

Review: FALSE information reported on credit report linked to social seurity account **-6*78. Balance of $0, listed for 6 accounts. These accounts are incorrect. Open dates for accounts are Feb 1 and Feb 2, Mar 1 and Mar 16, Aug 1 and Aug 3, 2009.Desired Settlement: REMOVE ALL ACCOUNTS LISTED as DEPT OF ED, NAVIENT LINKED TO ACCOUNT [redacted]-**-6*78.

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on September 23, 2015. Please allow sufficient time for

postal delivery.

Review: I have multiple issues with Navient. First issue was that I attempted to have my father removed as cosigner on my loan. I made 12 consecutive payments then I was told that since I was in a payment arrangement program that I could not have him removed. Second issue was that when I lost my job this past August I was not offered any type of deferment/forbearance. Third and main issue... I called in January to get my student loans back in good standing. I spoke with a gentleman that resolved my issue but apparently he made a mistake. I agreed to a 3 month forbearance then after fulfilling the 3 consecutive payments, I was told I would pay $477 for the life of my loan. However, after making the payments, Navient realized the mistake and now my loan is all messed up and each department gives me a different amount and refuses to work with me in any way. After I made a verbal contract via telephone, my loan rate, term, and conditions have all been changed without my consent. I have spent hours on the phone trying to make arrangements but nothing. I have formally requested a copy of all my interactions with Navient via telephone.Desired Settlement: I want my account handled correctly. I want an apology for the poor excuse of what they call customer service. I have contacted my attorney. I will move forward with legal action if this is not handled properly.

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on April 9, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: Navient has deducted my monthly loan amount twice from my checking account for the month of February. The monthly payment amount for February is supposed to be for $658.38. However, Navient made 5 deductions from my checking account that charged me twice for the monthly loan amount ($598.22, $498.05, $100.17, $60.16, and $60.16). I contacted Navient via phone and asked why they deducted money from my checking account twice and that I only paid the $658.38 once. They made several charges to my checking account almost leaving me with a negative balance. They said that I would have to submit a copy of my bank statement showing the multiple charges. I asked if they could cancel the charges today and they said not at this time. I had my bank to fax them a copy of my bank statement and I also faxed over a copy myself.Desired Settlement: I would like for my checking account to be refunded in the amount of $658.38, since Navient debited my account twice totaling $1,316.76. I would also like an apology from them since I also paid my loan on time, but instead had my account debited twice.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on February 17, 2015. Please allow sufficient time for postal delivery.

Review: This past Fall, Navient began to manage my consolidated student loans, which had previously been with Sallie Mae.

I have been making payments through the Income Based Repayment program for the last year or so. On 12/26/14, I submitted paperwork to renew Income Based Repayment for another year. Because I submitted the forms online--something I had not done before--I called Navient that afternoon to see if they could confirm that I had submitted the forms correctly. The woman I spoke with assured me that everything was great, and that I could expect to hear from them within 10 business days as to what my new payment would be.

4 weeks went by, and I heard nothing from Navient. I finally called them again to check in, since my account was showing a payment due on February 8th which was much higher than it would have been if IBR had kicked in (about $1,300, as opposed to $200). This time, I was told that one of the forms I had submitted could not actually be read on their computers! I was asked to resubmit the form, which I did so by fax.

A few days later, I received notice that my application could not be processed because it was incomplete. I called Navient yet again. This time, I was told that while my proof of income was correctly-filed, I had failed to submit proof that my wife had no income (she is a stay-at-home mother). I was asked if my wife could submit a letter from her stating that she had no income. She did so that very afternoon, again by fax.

Two more weeks went by, and again I heard nothing from Navient. By this time, I had needed to use 2 months of forbearance to avoid the $1300 payments--I am a teacher, raising a family of five on an income of about $54,000, after all. This morning (February 19, 2015) I called yet again. This time, I was told that my application just simply was not done yet. I was able to wait on the phone while it was completed, and was told that my payment is now the corrected amount of about $200 per month.Desired Settlement: I have had to use 2 months of forbearance on my loans because of Navient's incompetence, untimeliness, and poor customer service. I believe that they should compensate me for the interest that has accrued on my student loans during those two months that I would have paid had they processed my application in a timely and helpful manner--roughly $400.

I also believe that I should be "given back" the two months of forbearance that I have used, in case I need them in the future.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on March 5, 2015 and resolved the

issue with the customer.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: Navient calls my wife's home phone everyday with recorded messages about my student loans. I am recently, less than 2 weeks being discharged from the hospital for possible heart attack. I have applied for a deferrement with no response after sending in all the requested paperwork. My wife have asked them to stop calling multiple times as her home number is also her work number and they continue to do so repeatedly. She works from home and this could cost her her job. She paid them her last $25 on my behalf and they are still calling everyday, multiple times a day. They will not call with a person just this constant recorded message.Desired Settlement: I would like them to stop calling my wife's phone and contact me by text to my cell phone or email only. Both options are those that they offer. I would like my deferment processed and granted time to recover from my hospitalization. This is wearing down on my health and making hers decline as well..

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on July 1, 2015. Please allow sufficient time for postal

delivery.

Review: Their webpage works, except for the manage your loans part. Every time you click on manage your loans, to change your payment plan, or look into your payment plan it comes up as an error screen. This is a multi billion dollar industry that for some reason, even after notified that they have a page error doesn't seem to want to correct their web page. Right now I pay 640.00 a month in student loans, 600.00 is interest, and 40.00 is put towards a principle balance of 110,000.00 dollars of student loans.Desired Settlement: I would like them to fix the webpage, so I can go in and change my payment plan form income based, to a ten year pay back plan. This way I can actually pay off my student loans before I'm 90.

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on September 15, 2015. Please allow sufficient time for

postal delivery.

Review: Sallie Mae now known as Navient was obtained and paid for in full by my ex-wife back in early 2003 with funds from a [redacted] Credit Union Visa. My ex-wife received no further communications from the company and now they are sending the balances to multiple collection agencies trying to collect over $6500 from me that was not obtained or used by me. I have contacted Asset Recorvery and Integrity Solutions multiple times that this was not my bill and that it was paid in full back in 2003, but Navient continues to send to other collection agencies to obtain payment on something that was resolved.Desired Settlement: Remove this bill previously paid in 2003 from my name, clear debt from all credit agencies and stop the continued harassment by Navient and the collection agencies hired by the company to obtain funds that were not obtained or used by me.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on August 31, 2015 and resolved

the issue with the customer.

Review: My loan balance on 7/23/15 (as clearly shown on my online statement) on was over $ 29,000. August 8th I paid $29,000. It clearly shows online, that we paid $29,000, but our statement balance is still over $10,000 -- it should now be less than $1000. I have called them twice, been on the phone with them for a very long time -- it is so clear -- but they do not acknowledge, that they made a mistake! In other words, they are not willing to apply our payment to our balance! It is unbelievable!!! What is this company?Desired Settlement: The payment we made needs to be applied to our loan.

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

telephone on August 25, 2015, and we are working with the customer directly to

resolve the issue.

Consumer

Response: